Title loans in Texas put cash in drivers' hands fast — usually the same day for borrowers in Houston and Dallas. Apply online, keep your vehicle, and walk away with funds against the equity in your car's title.
Most Texas borrowers use them for unexpected bills, repairs, or short-term cash gaps. Pickups and full-size SUVs are the vehicles we fund most often here, and the online application is open every day of the week.
$2,046
Average Loan Amount
$300 to $6,224
Typical Loan Range
2010
Avg Vehicle Year
2,923
Loans Funded
Based on 2,923 loans in Texas from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Texas regulations.
Recent funded loans in Texas. Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2019 | International | DuraStar 4000-Series | 494,000 | $8,000 |
| 2011 | Chevrolet | Silverado 2500 | 310,150 | $4,728 |
| 2019 | Toyota | Camry | 220,000 | $2,000 |
| 2011 | Porsche | Cayenne | 105,000 | $2,500 |
| 2018 | Subaru | Impreza | 75,000 | $5,000 |
| 2017 | Toyota | Yaris iA | 49,000 | $2,000 |
| 2016 | Honda | CR-V | 165,000 | $2,700 |
| 2016 | Ram | 2500 | 188,500 | $4,368 |
| 2016 | Chevrolet | Silverado 1500 | 151,000 | $2,221 |
| 2009 | Ford | Ranger | 105,500 | $4,178 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $4,630 | $1,992 | 492 |
| Ford | $5,294 | $2,048 | 439 |
| Nissan | $3,874 | $1,806 | 244 |
| Dodge | $4,489 | $1,561 | 192 |
| Toyota | $7,062 | $2,613 | 191 |
Top 5 vehicle makes financed in Texas based on 2,923 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Texas regulations.
Borrowers across Texas tap into their vehicle's equity for a range of real-world needs — from covering unexpected bills to bridging income gaps. Here are the most common reasons our customers request a title loan.
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
| 4 | Groceries and Household Essentials |
| 5 | Income Gap Coverage (Between Jobs) |
| 6 | Legal Fees or Bail Bonds |
| 7 | Property Taxes |
| 8 | Rent or Mortgage Payments |
Based on common use cases reported by Texas borrowers across 2,923 funded loans.
Lenders must be licensed; search the Texas License database before borrowing. The lender must give written disclosure showing the amount borrowed, the CAB fee, the interest rate, and total cost, including a statement about short-term cash needs, and there is no prepayment penalty. Local ordinances in Dallas, Houston, Austin, San Antonio, and other cities may be stricter than state law, sometimes capping loans at 3% of gross income or 70% of vehicle value. Texas does not prohibit rollovers statewide, and each renewal adds new fees. After default, a lender may repossess without advance warning but cannot breach the peace and must give reasonable notice before selling.
📖 Governing law: Texas Finance Code Chapter 393
Sources: Texas Finance Code Chapter 393; OCCC 2025 Special Report; Federal Truth in Lending Act (TILA), 15 U.S.C. §1601
State figures last verified against primary statute text on 9 June 2026; statutes cited are the 2025 edition.
Thinking about a title loan in Texas? See if it's the right choice for you before you apply.
Yes. Title loans often come with high costs. Texas does not cap the fees on title loans. At typical market rates, a $1,000 loan may cost about $200 per month. If you renew the loan, that cost is added again each period. You should treat this as a short-term option and plan to repay it on time. Example: If you borrow $1,000 in Texas for 2 months, you could pay about $400 in fees, for a total of $1,400.
No credit check is required for pre-approval or a free estimate. Approval is based primarily on your vehicle's value and your ability to repay.
Yes, your car can be repossessed if you miss even one payment on a Texas title loan. Texas law does not require the lender to go to court or give you advance notice before repossessing the vehicle. After repossession, you must receive at least 10 days notice before the car is sold. If the vehicle sells for less than you owe, including repossession fees and storage, you may still be responsible for the remaining balance. If you think you may miss a payment, reach out to your lender early. There may be options available before default becomes necessary.
A credit check may occur, but it is not the deciding factor. Title loans are secured by your vehicle, so approval is based on your car's market value and income over credit history. A low score does not automatically disqualify your application.
Title loans can be faster and more accessible than bank loans for borrowers with poor or no credit. Traditional banks typically require strong credit profiles and multi-day processing. A title loan decision is based on your car's value and income, not your credit score, and funds are often available the same day. That said, Texas title loan costs can be significantly higher than bank products, and your vehicle is collateral, so default means losing your car.
5 Star Loans, Inc., dba
5 Star Car Title Loans™
473 E. Carnegie Dr.,
Suite 200
San Bernardino, CA 92408
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1Applications submitted through this website are processed by 5 Star Loans™, Inc., dba 5 Star Car Title Loans™
2Applicants must be at least 18 years of age (19 in Alabama). Loans are not available in all states.
3Use of this website is free. We may share personal information with third-party service providers as necessary to process your loan request, in accordance with our Privacy Policy.
4USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
5Loan proceeds are intended primarily for personal, household, or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to repay the loan.
6Approving loans depends on meeting credit criteria and may include offering certain assets as collateral. The actual loan amounts, terms, and Annual Percentage Rate (APR) of a loan that the consumer qualifies for could vary according to the consumer.
7Title Loans can be expensive and are intended for short-term financial needs only. Consumers may have access to lower-cost alternatives. Paying the loan early may help reduce additional finance charges.
8Completing the application may take about five (5) minutes. Conditional approval may be issued pending document review. Final funding begins upon full approval and receipt of all required documents signed before 2 PM local time on a business day.
9Title Loan Notice: This loan is secured by your vehicle. If required payments are not made, your vehicle may be repossessed, and you could lose your car. Late or missed payments may be reported to consumer reporting agencies and could negatively affect your credit.
10For anyone experiencing difficulty with this website using a screen reader, please feel free to call (510) 992-4050 for assistance.
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